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Azfa Hani, Aulia
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Economics, Econometrics & Finance

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PERAN MEDIASI TRUST TERHADAP KEPUTUSAN MEMBUKA REKENING BANK DIGITAL PADA GEN Z maharany, indah dewi; Nurul Husna, Habsyi; Azfa Hani, Aulia; Musyafak, Ali
Jurnal Bisnis dan Kewirausahaan Vol. 12 No. 4 (2023): Jurnal Bisnis dan Kewirausahaan
Publisher : Lembaga Penelitian, Publikasi dan Pengabdian pada Masyarakat (LP3M) Nobel Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37476/jbk.v12i4.4674

Abstract

This research aims to determine the influence of independent variables, namely knowledge, user interface and ease on the dependent variable, namely the decision of Gen Z in Kudus district to open a digital bank account through trust as an intervening variable. The research method used in this research is a quantitative method with an associative approach. Data collection was carried out through a Google Form questionnaire which was distributed to digital banking users from Gen Z in Kudus Regency. A total of 100 questionnaires were used and analyzed using the Partial Least Square-Structural Equation Model (PLS-SEM). The findings in this research show that ease and trust have a positive influence on generation Z's decision to open a digital bank account in Kudus Regency. However, on the contrary, knowledge and user interface actually weaken the level of Gen Z's decision to open a digital bank account. Furthermore, knowledge and user interface have a significant effect on Gen Z's trust in opening a digital bank account in Kudus Regency and conversely, ease has no effect on Gen Z's trust in Kudus Regency in opening a digital bank account. Apart from that, trust is able to mediate knowledge and user interface in customer decisions in opening a digital bank account. On the other hand, trust is unable to mediate ease in customers' decisions in opening digital bank accounts.
Co-Authors Maharany, Indah Dewi Musyafak, Ali Nurul Husna, Habsyi